岁月如歌，变老路上，如何健康理财，两全其美？且听下回分解。

Years roll on like a song, on the path to aging, how to manage finances healthily, achieving a win-win situation? Stay tuned for the next part.

1. 40%当然是炒黄金，外汇这个收益的话就比较高可以达到月收益10%左右。这样理财的话估计比较稳想买房买车只是时间问题。

1. Of course, 40% is for trading gold and foreign exchange, which can yield a higher return of about 10% per month. With such investment, it's expected to be relatively stable, and buying a house or a car will just be a matter of time.

2. 第一份：应急的钱，6个月至一年的生活费。存银行，活期、定期，或者货币市场基金。

2. The first one: emergency funds, covering living expenses for 6 to 12 months. Deposit in a bank, either in a current account, a fixed-term deposit, or a money market fund.

3. 第三份：闲钱，五年到十年不用的钱，只有这种钱才可以买股票，买基金，做房地产，或者跟朋友合伙一起开个什么生意，去做这种投资，那么必须是闲钱。

3. The third type: idle money, money that will not be used for five to ten years. Only this kind of money can be used to buy stocks, invest in funds, engage in real estate, or partner with friends to start a business. To make such investments, it must be idle money.

4. 国内能够为客户提供理财服务的机构主要有银行、证券公司、投资公司。

4. The main institutions in China that can provide financial planning services to customers include banks, securities companies, and investment companies.

5. 2加入合理的保险，拥有一定的保障是必须的。也许有些认为保险只是投入，我个人认为有些保险的年收益率达到10%以上，并能为你的财产和安全带来保障。像有些成长险，教育基金，还有意外保险和健康保险。

5.2 It is necessary to have a certain level of insurance coverage by adding reasonable insurance. Perhaps some people think of insurance as just an investment, but I personally believe that some insurance products can yield an annual return of over 10%, and they can also provide protection for your property and safety. This includes products like growth insurance, educational funds, as well as accident insurance and health insurance.

6. 第二份：保命的钱，三至五年生活费，定存、国债、商业养老保险。应该是保本不赔，只会多不会少的东西。

6. The second one: money for survival, three to five years' living expenses, fixed deposits, government bonds, and commercial pension insurance. These should be things that ensure no loss, only gains, and never decrease.

7. 除存款和国债之外，还可以关注一下其他低风险理财产品，如人民币理财产品和货币市场基金，投资这些理财产品本金较安全，虽然给出的收益率都是预期收益率，没有绝对的保证，但实际上收益率波动范围并不大。

7. In addition to bank deposits and government bonds, you can also consider other low-risk investment products, such as Renminbi wealth management products and money market funds. Investing in these products offers a relatively safe principal, although the yields provided are expected yields and there is no absolute guarantee. In reality, the range of yield fluctuations is not significant.

8. 21世纪除了能在线下的网点理财，还可以利用互联网上的金融搜索引擎搜索理财产品进行风险收益的多方对比之后再投资。

8. In the 21st century, in addition to financial management at offline outlets, people can also use financial search engines on the internet to search for financial products, conduct multi-party comparisons of risk and return, and then invest accordingly.

9. 1最基础的理财方式是首先要学会记账，记账是理财之本。只有通过记账才能发现自己的收入与支出的合理及不合理的项目，进而可以开源节流。俗话说，外有摇钱树，家有聚宝盆，聚宝盆不光讲的是贤妻良母，更讲究的是你的理财术。

9.1 The most basic way to manage finances is to first learn how to keep a record of expenses, as keeping records is the foundation of financial management. Only by keeping records can one discover the reasonable and unreasonable items in their income and expenses, and thereby can one increase sources of income and save expenses. As the saying goes, "Outside there is a money tree, at home there is a treasure pot," and the treasure pot not only talks about a wise and virtuous wife and mother but also emphasizes your financial management skills.

10. 不在乎多少，一个月省下100元买基金，从20岁存到60岁，是637800元；30岁存到60岁，是22万；40岁起存，7万；50岁，2万。钱生钱是长跑冠军，理财一定要从年轻时开始。钱的秉性：你不爱我，我不爱你。

10. Regardless of the amount, saving 100 yuan a month for a fund, from the age of 20 to 60, will accumulate to 637,800 yuan; starting from the age of 30 to 60, it will amount to 220,000 yuan; starting from the age of 40, it will accumulate to 70,000 yuan; at the age of 50, it will be 20,000 yuan. Making money grow is the champion of long-distance running, and financial management should definitely start in one's youth. The nature of money: If you don't love me, I won't love you.

11. 保险不是投资。赚不了几毛钱，但是这是保障是必须买的。很多人总是一直斤斤计较的计算 各种保险能赚多少钱。算了吧，再算也算不过保险公司的。这是一种人生的保障，不要把它当投资。

11. Insurance is not an investment. It doesn't make much money, but it's a necessary guarantee to purchase. Many people always meticulously calculate how much money various types of insurance can earn. Forget it, no matter how you calculate, you won't be able to outsmart the insurance companies. This is a form of life protection; don't treat it as an investment.

12. 对于稳攻部分，有一定投资理财概念的人可以选一些波动度较小、报酬较稳健的理财产品，如混合型基金、大型蓝筹股等，追求的年收益率在5%至10%不等。不过，在投资前要做一些功课，选出好的股票和基金才行；同时还需有投资组合的概念，通过分散投资来降低风险。

12. For the stable investment part, those who have a certain understanding of investment and finance can choose some financial products with lower volatility and more stable returns, such as balanced funds and large blue-chip stocks, aiming for an annual yield of between 5% and 10%. However, some research needs to be done before investing to select good stocks and funds; at the same time, one should have a concept of an investment portfolio, and lower risk through diversification.

13. 理财就是管钱，“你不理财，财不理你”。收入像一条河，财富是你的水库，花钱如流水。理财就是管好水库，开源节流。

13. Financial management is about money management, "If you don't manage your finances, your money won't manage itself." Income is like a river, wealth is your reservoir, and spending is like a flowing river. Financial management is about managing the reservoir well, generating income and saving expenses.

14. 30%的钱你们拿去定存，一般是1年期最好，因为银行不断加息中。如果存太久你很亏。

14. Take 30% of the money to deposit, usually a one-year term is best because the banks are continuously increasing interest rates. If you keep it deposited for too long, you will lose out quite a bit.

15. 3银行的存款，虽然银行的存款利息很低，但是你总不能把所有的鸡蛋"放进一个篮子吧，你总得把你的小部分钱放进银行吧!俗话说：狡兔三窟。就是这个道理。

15.3 The deposits in banks, although the interest rates on bank deposits are low, you can't put all your eggs "in one basket," can you? You have to put a small portion of your money into the bank! As the saying goes: a clever rabbit has three holes. This is the same principle.

16. 首先，把一半积蓄放在银行存款或国债上，这些钱的作用不是增加收入，而是保本，避免让财富暴露在不可控制的风险下。

16. Firstly, place half of your savings in bank deposits or government bonds. The purpose of this money is not to increase income, but to preserve capital and avoid exposing your wealth to uncontrollable risks.

17. 这些都是我的个人建议~仅供参考，希望对你有点帮助，

17. These are all my personal suggestions ~ for your reference only, hope they are a bit helpful to you.

18. 攒钱：挣一个花两个一辈子都是穷人。一个月强制拿出10%的钱存在银行里，很多人说做不到。那么如果你的公司经营不好，老总要削减开支，给你两个选择，第一是把你开除，补偿两个月工资，第二是把你一千元的工资降到九百元，你能接受哪个方案？99%的人都能接受第二个方案。那么你给自己做个强制储蓄，发下钱后直接将10%的钱存入银行，不迈出这一步，你就永远没有钱花。

18. Saving money: If you earn and spend two for every one, you will be poor for the rest of your life. Many people say they can't afford to set aside 10% of their income every month to save in the bank. So, if your company is not doing well and the boss needs to cut costs, he gives you two options: the first is to fire you, with two months' salary as compensation; the second is to reduce your 1000 yuan salary to 900 yuan. Which option can you accept? 99% of people would accept the second option. So, if you want to force yourself to save, after receiving your salary, directly deposit 10% of it into the bank. If you don't take this step, you will never have any money to spend.

19. 对工薪族来说，收入主要有两个来源——工作收入和理财收入。一旦有了理财的本钱，就不能只靠工作收入了，应逐步提高理财收入在总收入中的比重。及早开始理财，就有机会提早退休享受生活，下面这个“理财方程式”可以给大家一些启发：理财方程式=50%稳守+25%稳攻+25%强攻。

19. For salaried employees, there are mainly two sources of income - work income and investment income. Once you have capital for investment, you cannot rely solely on work income; instead, you should gradually increase the proportion of investment income in your total income. Starting early with investment gives you the opportunity to retire early and enjoy life. The following "investment equation" may provide some inspiration: Investment Equation = 50% conservative + 25% moderate aggressive + 25% aggressive.

20. 至于强攻部分，就是投资理财中最刺激的部分了，如成长型股票、股票型基金、期货等，既有机会让人一个月赚10%，也有可能一个月赔掉10%。投资这些高风险高收益的理财产品，必须有相当高的知识与经验门槛，对于不擅长投资的工薪族，最好先以稳攻方式进行，在得到一些投资心得、功力较深厚之后，再加入强攻一族中去追求更高的收益率。

20. As for the aggressive part, it is the most exciting part of investment and finance, such as growth stocks, stock funds, futures, etc. There is a chance to make a 10% profit in a month, but there is also a possibility of losing 10% in a month. Investing in these high-risk, high-yield financial products requires a relatively high threshold of knowledge and experience. For those who are not good at investing, it is best to start with a conservative approach, gain some investment experience and deepen your skills, and then join the aggressive group to pursue higher yields.

21. 护钱：天有不测风云，谁也不知道会出什么事，所以要给自己买保险，保险是理财的重要手段，但不是全部。生钱就像打一口井，为你的水库注入源源不断的水源，但是光有打井还不够，要为水库修个堤坝——意外、住院、大病。因为开车撞人倾家荡产的例子。坐飞机的例子：一个月我有时需要坐十次飞机，每次飞机起飞和降落的时候我都会双手合十，我并不是信什么东西，我只是觉得自己的生命又重新被自己掌握了，因为在天上不知道会发生什么。所以每次坐飞机我都买了88元保50万的意外险，这是给家人的爱心和责任，这50万够我的妻子和孩子生活两年，两年时间她可以改嫁。

21. Protecting Money: As the saying goes, "Heaven is unpredictable and no one knows what will happen." Therefore, it is important to buy insurance for yourself. Insurance is an important means of financial management, but not the only one. Making money is like digging a well, which provides a continuous water source for your reservoir. However, simply digging a well is not enough; you also need to build a dam for the reservoir – unexpected events, hospitalization, serious illnesses. There are examples of people losing all their wealth due to car accidents. There is also an example of flying: Sometimes I need to take a plane ten times a month, and every time the plane takes off and lands, I put my hands together. I am not believing in anything; I just feel that my life is once again in my own hands, because in the sky, you never know what might happen. Therefore, every time I take a plane, I buy a 50,000 yuan accident insurance policy for 88 yuan. This is an act of love and responsibility towards my family. This 500,000 yuan is enough for my wife and child to live for two years. In two years, she could remarry.

22. 我国商业银行提供的理财产品分为保本固定收益产品、保本浮动收益产品与非保本浮动收益产品三类。

22. The financial products provided by commercial banks in our country are divided into three categories: guaranteed principal fixed-income products, guaranteed principal floating-income products, and non-guaranteed principal floating-income products.

23. 投资公司理财一般包括信托基金、黄金投资，玉石，珠宝，钻石，第三方理财等，需要的起步资金较高，适合高端理财人士。

23. Investment company finance generally includes trust funds, gold investment, jade, jewelry, diamonds, third-party finance, etc., which require a relatively high starting capital and are suitable for high-end financial investors.

24. 一个中心，三个基本点：以管钱为中心，攒钱为起点，生钱为重点，护钱为保障。

24. One center and three basic points: with money management as the center, saving money as the starting point, generating money as the focus, and protecting money as the guarantee.

25. 需要指出的是，“理财方程式”的攻守比重是可以灵活调整的，这主要取决于个人风险承受能力和理财目标，如果能够承受一定风险且短期内无较大资金支出计划，可提高强攻部分的比例，但建议该部分比重不要超过50%。对于保守型的投资人，则可增加稳守的比例，减少强攻的比例

25. It should be noted that the offensive and defensive ratios in the "Finance Equation" can be flexibly adjusted, which mainly depends on an individual's risk tolerance and financial goals. If one can bear a certain level of risk and has no major capital expenditure plan in the short term, they can increase the proportion of the aggressive part. However, it is recommended that this portion does not exceed 50%. For conservative investors, it is advisable to increase the proportion of steady defense and reduce the proportion of aggressive offense.

26. 5信用卡的使用，信用卡就是银行提供给用户的一种先消费后还款的小额信贷支付工具。其实利用信用卡里面的钱投入到网上平台，不但可以实现套现，还可以作为一种投资并能产生不错的收益，我就有这么一个朋友，利用10万的信用卡，把卡里的钱投入到一个平台，然后一个月后就有2千多元的收益，一个月后信用卡要还款了，就再把钱再还到卡上。不用一分钱也能有可观的收益。

26. 5 The use of credit cards: a credit card is a small credit payment tool provided by banks to users, which allows them to consume first and repay later. In fact, by using the money in the credit card to invest in online platforms, not only can one achieve cash advance, but it can also be considered as an investment that can generate good returns. I have a friend who, using a 100,000 yuan credit card, invested the money in a platform and after a month, earned more than 2,000 yuan in returns. When the credit card was due for repayment, the friend would then repay the money back onto the card. They can earn considerable returns without spending a single cent.

27. 30%做长期定投或者买长期封闭式基金。这部分钱一定要先买保险。

27. Invest 30% in long-term fixed deposits or buy long-term closed-end funds. It is essential to purchase insurance with this money first.

28. 证券理财一般包括股票、基金、商品期货、股指期货、外汇期货等，个人或机构投资者可以按照其不同需求及投资偏好选择不同理财工具。

28. Securities investment generally includes stocks, funds, commodity futures, stock index futures, and foreign exchange futures, among others. Individual or institutional investors can choose different investment tools according to their various needs and investment preferences.

29. 4进行高效的投资，人无横财不富。马无猛草不肥。把你的30%左右的资金拿来高效投资，投资的方向可以为网络，也可以为个人，也可以为企业。像网络上有些可靠的投资平台月息可以达到月利3分以上(也就是1元钱收益3分钱，1万元收益也是300元)，在民间也有个人私营老板个人集资的方式借贷，月利1分-3分不等。还有些经营性企业资金的缺口很大的，你的投资一般年收益不会低于20%。但是注意的是，投资需谨慎，都是有风险，这个就靠你自已去拿捏了。

29. 4 Efficient investment is the key to wealth, as the saying goes: "A person without sudden wealth will never be rich, and a horse without lush grass will never be fat." Allocate about 30% of your funds for efficient investment, which can be directed towards the internet, individuals, or enterprises. For example, some reliable online investment platforms can offer a monthly interest rate of over 3% (which means a profit of 3 cents for every yuan, or 300 yuan for 10,000 yuan). In the folk sector, there are also private entrepreneurs who raise funds for borrowing, with monthly interest rates varying from 1% to 3%. Moreover, there are some businesses with significant capital shortfalls, and your investment can generally expect an annual return of not less than 20%. However, it is important to note that investments require caution, as they all carry risks. This is something that depends on your own judgment.

30. 如何进行资产配置：个人的水库应该分成三份。

30. How to allocate assets: An individual's reservoir should be divided into three parts.

31. 保险理财更加倾向长期性，着重解决较长时间后的教育规划和养老规划，同时解决意外、医疗等保障问题。

31. Insurance and financial planning tends to be more long-term oriented, focusing on solving education and retirement planning for a longer period of time, while also addressing insurance needs such as unexpected events and medical coverage.

32. 理财最好的建议是：30%定存+30稳攻+40%强攻

32. The best financial advice is: 30% fixed deposits + 30% conservative investments + 40% aggressive investments.